Investor Loan

Investment Property Guidelines

We have a range of residential investment loans to meet your needs. Whether you are planning to buy a second home, or investment property such as one to four unit rental complex, or a vacation rental; we have a loan program for your unique needs. With our programs you may be able to use your current home equity to finance buying additional property.

The needs of real estate investors are much different then the typical home buyer. It’s important to work with a mortgage professional who understands real estate investing and financing investment properties. Our licensed mortgage specialists will help you decide what kind of investment property best suits your goals and how it should be financed.

Key Facts

  • Even if you’re familiar with how mortgage works, it’s important to understand the restrictions tied to investment properties as they often differ from owner-occupied properties and second homes.
  • Down payment is usually 20%, but you may need to put 30% or more down on an investment property depending on different factors such as your credit profile, documentation type, and the value of the property.
  • Investing in real estate is like any kind of investment – it’s wise to do your homework and assess both the benefits and risks involved.
  • Typically, residential investment loans will extend for up to thirty years and the rate is usually between .5% and 1% higher than you will obtain for a home mortgage.

Used For

  • Acquisition of existing housing
  • Rehabilitation of existing housing
  • Acquisition and rehabilitation of existing housing
  • Construction of new housing unit/s
  • Refinance


  • Credit Score: On a scale from 300 to 850, you will typically need to have a 700+ to obtain a investment property loan.
  • Debt to Income: Your debt to income ratio is a number used by lenders to determine your ability to pay a certain debt based on how much income you earn.
  • Loan to Value: A Loan-To-Value Ratio, also referred to as LTV, is a comparison between the value of your loan and the value of your property. Gone are the days when lenders were offering a loan up to 125% of the value, today 70-80% is more likely for investment properties.
  • Landlord Experience: Landlord experience is not required. You can purchase without any experience and still get financing, if you can qualify without using the rental income. Experience is often required in order to consider the rental income if you’re planning to finance the purchase of a 1 to 4 unit home.

When considering buying an investment property there are several things to consider to make the right decision. We provide a variety of mortgages suitable for real estate investing including a 30 Year Fixed Rate, 15 Year Fixed Rate, Adjustable Rate, Jumbo, and more.